Welcome!
I am Associate Director of Experimental Research at Stanford’s Initiative for Financial Decision-Making. My research examines household financial behavior through the lens of economic theory and psychology. I primarily use field, online, and lab experiments to study the behavioral mechanisms that shape financial decisions.
I was previously a Postdoctoral Scholar at the Stanford Graduate School of Business.
Find my CV here.
Contact: ozyilmaz {at} stanford {dot} edu
Working Papers
Subjective Adoption Expectations and the Demand for Payment Platforms (with S. Bair and P. Miquel-Florensa) - 2026
The Debt Payment Puzzle: An Experimental Investigation (with G. Zhang) - 2024
Restoring Rational Choice in Repayments (with G. Zhang) - 2024
Mental Models and Endogenous Learning - 2023
Selected Work in Progress
Financial Metacompetence (with D. Bernheim and A. Lusardi)
What Drives Stock Return Ignorance? (with Y. Merkoulova, C. Veld and G. Zhang)
The Impact of AI Integration in Personal Finance Education (with D. Chi, T. Kaiser, J. Letkiewicz, A. Lusardi, A. Sticha and C. Zhang)
Stories and the Demand for Financial Advice (with B. Clark, A. Lusardi, O. Mitchell and A. Sticha)